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    • Hello I hope someone can give me some advice here, as I am at a bit of a loss on how to proceed. This relates to alleged offences under the RTA. Yesterday I received a notification from the local police of intention to prosecute for the following offences: 1 driving without due care and attention 2 failing to stop at a road traffic accident 3 failing to report a road traffic accident At this stage they have only asked me to say whether I was the driver at the time or not and provided a blank sheet of paper to give information about the incident. Going by the location (just round the corner from where I live) I can only imagine this relating to one recent incident, which wasn't actually an accident but more of a road rage event. I was driving past someone unloading or working next to his lorry which had stopped in the road. I wasn't going fast or anything, while I went by lorry man turned around and punched and kicked my car whilst going past him. I stopped and got out and wanted to know what he thought he was doing punching and kicking my car. He then hurled some verbal abuse at me, swearing and he was quite aggressive. I still didn't know what his problem was and said I would report him to his company for threatening behaviour and vandalism for punching my car. I got my phone and tried to take a photo of his lorry and number plate but at that moment he came right at me, still shouting and swearing, so I was worried he may hit me next, as he already punched my car. I thought if the guy hits me I will come off second best, so I decided to retreat. I quickly got back into my car and left. When I checked my phone later the photo I tried to take was blurred and useless, so I thought it was pointless to report the incident to the police, as the guy would not be traceable. Over that I forgot about it until I got the letter yesterday in the post. This is the only thing I believe this can relate to, but I have no idea based on what the three above allegations come from There was no road traffic accident, more of a road rage incident. So I am at a loss what to do. I have 28 days to respond. Should I just say yes I was the driver and was there and see what happens next, or should I already make a written statement on the attached piece of paper they sent me and send that with it ? Is there anyone here who would have a rough idea what to do next ? I tried my legal advice line through my Union, but they have sent me from pillar to post, now say it needs to go to a different department again and that would be chargeable as the RTA comes under Criminal Law. So any advice would be appreciated Many Thanks
    • So a quick update got bounced around two different departments and managed to speak to a DVLA bod , explained the situation and they could see the overlap and that DD payments had been made from Feb , also no formal remiders prior , they gave me a number for the legal dept who I am calling this morning to see what they can do in terms of the SJP notice , still have time to submit this online.  Will update after my chat this morning 
    • filed the defence at same time as suggested @dx100uk
    • Also, I am trying to understand how invoicing a large sum in a 6m period becomes tax fraud?   Is it because if he had invoiced over the £85k threshold he should have been obligated to charge vat?  Which would have meant hmrc would have benefited from the vat amount? So by not charging it Hmrc have lost out on £s revenue?  Is that what makes it tax fraud? So as a self-employed contractor, let's say he invoiced one Co for 200k.  Should he have charged vat on the full 200k (£40k)? Or just on the sum above the threshold (£23k)?  And that by not charging vat, he has knowingly withheld tax £s from Hmrc? And is the payer complicit ?
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Oneofakind v. the DCAs.


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OK, latest summary....

 

Metropolitan Collection Services

This account turns out to be a Bank overdraft... letting this go for now.

 

Intrum Justitia

Couldn't comply, have returned account to RBS Mint. Still waiting for my pound back, as promised!

 

CL Finance

Supplied application form in posts above. Now past default date.

 

Direct Legal and Collections

(Hillesden Securities) sent letter saying they would comply, but would get back to me in 21 days. Sent letter after 21 days saying they would get back to me in ANOTHER 21 days! Defaulted.

 

Scotcall Ltd.

Could not comply. Returned file to OC.

 

iQor.

No contact, other than a letter asking me to call 'the office' as soon as possible to discuss 'a development on your account.' Defaulted.

 

Link Financial

Apparently they may need up to 30 days to provide the requested information. No admin. charge has been applied to my account at this time, so my pound payment has been applied to the outstanding debt. However, should Link incur any costs in obtaining the requested information they will pass these charges on to me. My account has been put on hold for 14 days to enable me to send them the further information they have not requested!

(Oh, my aching sides....:p ) Defaults Monday.(sorry, Tuesday - forgot about Bank Hol!)

 

 

:D

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Anyone recognise this number?

 

0845 3723709

 

I've had 3 hangup calls. don't have it in my papers anywhere, and it's not known by saynoto0870!

 

:idea: ;)

 

Hi Oneofakind

 

Don't know whether you'll be disappointed with this or not - but I just put the number into Google and it came up as "Space Kitchens".

 

However, I am aware of these people and they're most annoying. It took us ages to get rid of them - they ring you up and try to get one of their salesman to call on you.

 

I think probably what is happening is that the have one of those automated calling systems

 

Hope that helps

  • Haha 1
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Swift round-up...

 

Intrum Justitia

Couldn't comply, have returned account to RBS Mint.

Got my pound back - after a month! Would have been quicker to just put the PO back in the envelope, boys....!

 

CL Finance

Supplied application form in posts above. Waiting for 12+30 default date.

 

Direct Legal and Collections

(Hillesden Securities) sent letter saying they would comply, but would get back to me in 21 days. Sent letter after 21 days saying they would get back to me in ANOTHER 21 days! Waiting for 12+30.

 

Scotcall Ltd.

Could not comply. Returned file to OC.

 

iQor.

Passed CCA to OC for 'urgent attention' 28 days after receiving it!

Waiting for 12+30 default.

 

Link Financial

Apparently they may need up to 30 days to provide the requested information. No admin. charge has been applied to my account at this time, so my pound payment has been applied to the outstanding debt. However, should Link incur any costs in obtaining the requested information they will pass these charges on to me. My account has been put on hold for 14 days to enable me to send them the further information they have not requested!

(Oh, my aching sides....:p ) 12+30 Default on Sep 28th.

 

It's all gone a bit quiet for now....

 

:D

 

 

 

 

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  • 2 weeks later...
  • 2 weeks later...

Well, it's now over 60 days since I sent off my first batch of CCA requests.

I have one (maybe) CCA, and I've rediscovered an old overdraft!

 

All the other DCAs, who are expecting payments next week, will get a surprise, 'cos I've cancelled the standing orders :D

 

Let the fun begin...

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  • 2 weeks later...

Been very quiet on this thread recently... probably due to the lack of post!

 

Anyway, received a letter from Cap1 today. We've been paying a pound a month for a while, and they're after more (of course!).

 

So, I guess it's time for another CCA. Anyone have an opinion on how likely Cap1 are to be able to supply a valid CCA? (this account is one of the OH's, and was probably opened 1999-ish.)

 

nothing else to report really: no furious demands from those DCAs who've had their payments stopped....

 

Yet!

 

:D

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  • 2 weeks later...

Just had an automated message from 08715 728833; strange sounding mid-atlantic guy offering me a chance to write off almost all my debt, and pay only what I can comfortably afford, blah, blah, just press '5' to speak to an advisor, blah, little known piece of legislation, blah, blah etc.

 

Anyone know who this is? google was no help.

 

;)

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Sounds about right, but now I'm getting paranoid about DCA's sneaking around in disguise, especially now the nights are cutting in......;)

 

I think they all come out on halloween, the one day of the year when they don't have to pretend :rolleyes:

Hit the scales, you know you want to :p

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Hey, busy postbag today!

 

First, Thames Credit:

 

We write in reply to your letter of etc. (CCA request delivered 18/10)

 

You have requested documents citing the CCA 1974.

 

We are not the original creditor. We did not provide you with the original credit facility. We purchased your outstanding debt balance and right to collect that balance. We did not purchase your actual Agreement, consequently we have no obligation to provide you with a copy of that Agreement.

 

However, as a matter of good practice, we will seek to obtain a copy of the original Agreement from the original credit grantor (B/card) and if that is available we will forward a copy to you. If Barclaycard is unable to provide a copy of the said Agreement that does not mean that we have no right to continue to request payment of the outstanding balance.

 

FYI the current outstanding balance amounts to £ (FIFTY POUNDS MORE THAN IT WAS 2 YEARS AGO , DESPITE INTEREST BEING FROZEN, AND REGULAR PAYMENTS ALL THIS TIME!)

 

All comments welcome.

 

Next up, fun and games with Hillesden/DLC

 

Stay tuned....;)

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Well that's their problem NOT yours.

 

If Barclaycard is unable to provide a copy of the said Agreement that does not mean that we have no right to continue to request payment of the outstanding balance.
True they can REQUEST payment as much as they want, just a bit stuffed when you refuse.

Be VERY careful whose advice you listen too

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Absolutely! They can request till they're blue in the face.

anyway, I'll just sit here waiting for them to default, which , from the tone of the letter, they will!

 

what I'm more concerned about is the fact that I've paid them regularly, and still owe them MORE than 2 years ago! Wait for a statement, I guess, then a SAR if necessary.

 

;)

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So, DLC/Hillesden/Citi then...

 

Sent DLC a CCA request (End of July) which was replied to by Hillesden, with several delaying letters.

 

Today, 86 days after receipt of my CCA, I receive a bundle of photocopies from Hillesden:

 

'further to our previous correspondence regarding your request for information under the CCA 1974, please find enclosed a copy of your statement of account with CitiFinancial Europe / Associates, as requested.'

 

They've sent a bundle of printouts, covering the period July 2005 to June 2006. Nothing else - no current balance, no CCA !:D

 

Interesting that on these statements, there are charges, which I believe will make up about 25% of the outstanding balance....

 

I've recently stopped the payments, because they hav obviously defaulted. They won't know this yet, but they will soon...

 

:D :D

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Haha! "we have no obligation to provide you with a copy of that Agreement" Are they for real?!

 

And I love how they try to make it look like they are doing you a favour... "However, as a matter of good practice, we will seek to obtain a copy of the original Agreement"

Thames Credit, get your acts together, people aren't ignorant of the law

 

Good luck oneofakind, although I'm sure you wont need it as it seems you are dealing with muppets! :D

Hit the scales, you know you want to :p

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